Time to roll up your sleeves and get to work
Ok, so you’ve worked hard at cutting back on your spending. You’ve stopped eating out so much. You’ve cut up the credit cards. You’ve made some big sacrifices in your lifestyle in order to save up some money or pay off some debt. But you still can’t seem to make ends meet. When you do your budget before the month begins, your expenses (with the sacrifices included) are still higher than your income. You know you’re not supposed to spend more than you make, but how do you do that when you don’t have enough money coming in?
Make more money
The answer is pretty simple. Go make more money! Wait, did I just say that? Yep, I sure did. I know “in this economy” jobs are tough to come by and I know it’s hard to find time to get a second job, etc. etc. etc. But the bottom line literally remains the same: You don’t have enough money coming in so you need to go get more money coming in.
How do you do that? Well, you could sell some stuff. All those hobby items that have been collecting dust in the basement can go a long way to paying off some smaller debts. But selling your possessions is only a short term solution. Unless it pays off enough debt to free up cash in your budget, you’re not going to get very far.
Get a second job
So it’s time to get to work. Grandma says the best place to go when you need money is to work. Time to put some gas in the car and start delivering papers in the morning or pizzas in the evening. What? You don’t think that will get you very far? Well, ask a client of mine who earned an extra $300-400 per month delivering weekend papers. I personally think that’s a significant amount of income. Or ask Jeff Kosola of deliverawaydebt.com how much money he earns delivering pizzas on the weekends. I think you’ll be surprised.
Or maybe it’s time to dust off your work clothes and start doing some odd jobs for your neighbors or mowing some lawns. Somewhere out there is a job that a lot of people aren’t willing to do. In fact, a lot of unemployed people are passing up part time and lower paying job opportunities because they are a step down from their former jobs.
There are jobs available
So don’t accept the notion that nobody is hiring. There may not be a lot of job opportunities that pay what you want for the type of work you want, but there are jobs available. So what does that mean? It means that “in this economy” there are still opportunities to find additional sources of income.
The main point here is that you need to do what you need to do in order to reverse your financial situation. You didn’t get into your financial situation overnight, and you won’t get out of it overnight. It’s going to take a lot of hard work and dedication. And you may just need to be prepared to get to work.